Sixtus

What Sixtus does

Sixtus is a boutique mortgage advisory firm based in Auckland, New Zealand, operated by sole director Dylan Thomas and authorised under Financial Service Provider number FSP1000768 via Kiwi Adviser Network Limited (FSP763551), which holds an FMA-issued licence. The firm provides personalised mortgage and finance advice exclusively to high net worth individuals and business entities across three core product lines: residential property financing (owner-occupied, investment, and construction/development), commercial property financing (retail, office, industrial), and business finance (working capital, acquisitions, asset finance). The firm has also disclosed experience funding luxury assets including aircraft, vehicles, and high-end timepieces.

The firm does not operate a proprietary technology platform; service delivery relies on a manual, consultative 6-step process from initial engagement through post-settlement support, and a website serving as the primary digital touchpoint. There is no mobile app, no API, and no disclosed integrations. Distribution is exclusively direct advisory, case-by-case, leveraging relationships with private, commercial, and corporate/institutional bankers across a panel of approximately 17 product providers including major NZ banks (ASB, ANZ, BNZ, Westpac, Kiwibank) and non-bank lenders (Avanti, Pepper Money, Liberty Financial, Southern Cross Partners, Basecorp, Bizcap, Cressida Capital, FMT, DBR, Pallas Capital).

The revenue model blends professional services fees with affiliate lender commissions. Client fees are set per engagement, with an hourly rate of NZ$250 and a maximum capped fee of NZ$3,000 for 12 hours of work; this fee structure also applies for mortgage cancellation or refinancing within 27 months. Lender commissions include initial commission of 0.55%-0.85% of loan balance and ongoing commission of 0.15%-0.20% of outstanding loan amount calculated monthly. The firm has received consecutive NZMA Excellence Awards in 2023 (Young Gun of the Year) and 2024 (Commercial Mortgage Adviser), awarded to Dylan Thomas personally.

Name

Sixtus

Legal name

Sixtus Limited

Website

https://sixtus.co.nz

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Sixtus is a boutique New Zealand mortgage advisory firm providing personalised residential, commercial, and business finance advice exclusively to high net worth families and businesses, operated by sole director Dylan Thomas from Auckland under FSP1000768.

Ownership category

akta.pro rank

Product category

Mortgage Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Mortgage advisory services
• Residential property finance
• Commercial property loans
• Business lending advisory
• Debt management services

Headquarters

HQ city

Auckland

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Financial Advice Fees: Fees charged for financial advice and services, based on either a set dollar amount or percentage-based fee. Initial advice fees and annual ongoing advice fees may apply. A maximum fee of $3,000 for 12 hours of work calculated at $250 per hour applies for mortgage cancellation or refinancing within 27 months. If client does not act on advice, hourly fee of $250 applies.
2. Lender Commissions: Commission paid by product providers (lenders) when a client's loan settles. Initial commission is 0.55%-0.85% of loan balance depending on provider. Ongoing commission is 0.15%-0.20% of outstanding loan amount calculated monthly.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Sixtus is a boutique mortgage advisory firm based in Auckland, New Zealand, providing personalised mortgage and finance advisory services exclusively to high net worth clients. The firm delivers advice across residential property financing (owner occupied, investment, construction/development), commercial property financing (retail, office, industrial), and business finance (working capital, acquisitions, asset finance). Services are delivered through a structured 6-step consultative process with access to private, commercial, and institutional bankers, plus post-settlement support.

Product overview

Sixtus is a boutique mortgage advisory firm offering a unified financial advisory service focused on high net worth clients. The core offering consists of Residential Property Financing (owner occupied, investment, and construction/development), Commercial Property Financing (retail, office, industrial), and Business Finance (working capital, acquisitions, asset finance). All services are delivered through a structured 6-step process and include access to private, commercial, and institutional bankers. Debt management advisory is provided as part of the service, with financial advice on loans and mortgages from multiple product providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Property Financing Mortgage advisory services for owner-occupied, investment, and construction/development residential property financing, tailored to high net worth clients with complex financial needs.
• Commercial Property Financing Financing solutions for retail, office, and industrial commercial properties, providing high net worth clients and business owners with access to commercial bankers for extensive debt requirements.
• Business Finance Business financing services including working capital, acquisitions, and asset finance, with access to corporate and institutional bankers for clients with extensive requirements.
• Debt Management Advisory Debt management services including borrowing for personal and investment purposes, with financial advice on loans and mortgages across multiple product providers.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Kiwi Adviser Network Limited (KAN)coreStrategic or Co-development PartnerSixtus Limited FSP1000768 is an authorised body of KAN FSP763551. KAN holds a licence issued by the FMA to provide financial advice services. Sixtus is authorised by that licence to provide financial advice services.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• ANZ Private Bank: Major NZ bank's private banking division that directly serves high net worth clients with bespoke lending and wealth services. Comparable to Sixtus as it targets the same HNW mortgage advisory segment through an in-house offering, representing both a partner and a potential disintermediator.

Direct peers

• Global X (formerly Global Financial): NZ financial advisory and mortgage broking firm offering home loan, commercial, and business finance advice. Comparable to Sixtus in arranging residential, commercial, and business finance across multiple lenders.
• Squirrel Mortgages: NZ mortgage broker with a digital-first approach to home lending. Comparable to Sixtus as a NZ mortgage intermediary arranging loans across multiple lenders, but competing on technology-enabled scale rather than boutique advisory service.
• NZ Home Loans: Established NZ mortgage and financial advisory brand offering home loan broking and wealth services. Comparable to Sixtus as a NZ mortgage broker arranging loans across multiple lenders, with a broader service portfolio.
• Mortgage Lab: NZ mortgage advisory firm offering residential and commercial mortgage broking. Comparable to Sixtus as a multi-lender NZ mortgage intermediary serving borrowers across product types.
• Mike Pero Mortgages: One of New Zealand's largest mortgage broker networks, advising on residential and commercial property finance. Directly comparable to Sixtus as an NZ-based mortgage intermediary, though operating at far greater scale and breadth than the boutique Sixtus model.
• Loan Market NZ: Large Australasian mortgage brokerage group operating in New Zealand. Comparable to Sixtus as a multi-lender mortgage advisory firm serving residential and commercial borrowers across NZ.

Emerging players

• Opes Partners: NZ financial advisory firm specializing in property investment advice and mortgages. Comparable to Sixtus in serving NZ borrowers seeking property financing, though with a property-investment focus.

Others

• Kiwi Adviser Network (KAN): Licensed financial advice network that authorises Sixtus to provide advice under its FMA licence. Comparable as an ecosystem participant rather than a competitor — KAN provides the regulatory umbrella for Sixtus and similar boutique NZ advisory firms.
• Cressida Capital: NZ non-bank lender listed as a Sixtus product provider. Comparable as a capital partner in the HNW mortgage ecosystem rather than a direct competitor — illustrates the lender panel that enables Sixtus's advisory model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sixtuslimited
• LinkedInlinkedin.com/company/sixtuslimited

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sixtus